Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$85,904Cash toward the purchase price.
Closing costs + prepaids$15,714Not just lender fees.
Before credits & paid funds$101,618The complete starting cash picture.
Estimated remaining funds due at closing
$101,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,903.71
Your down payment$85,903.71
Closing costs + prepaids$15,714.01
Total buyer cash needed$101,617.72
Remaining funds due$101,617.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$840.00
Prepaid interest, first (12 days)$1,399.11
Fees + prepaids$15,714.01
Your down payment is the seller’s equity. You take over the $614,086 balance, so the rest of the $699,990 price is paid at closing. A second mortgage can cover part of it. $101,617.72 is due at closing. Uses and sources reconcile at $715,704.01 each. Not a Closing Disclosure.